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My family used this A.W.G. Dewar Tuition Refund Plan
Withdrawal for mental health issues was covered.
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Maybe you can contract with Dewar yourself-? I would definitely call GradGuard Allianz to discuss.
My kid had a diagnosis of bipolar 1 (and ADHD). Was mainly depressed at the time of withdrawal. We not only got a refund but also received funds equal to her financial aid.
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Thank you! She is doing great. All things are possible for yours too 
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